Questions answered by Orfelia Maria Mayor

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I want to file for bankruptcy ... and keep my house ... is it possible ?

Orfelia's answer | Answered on February 10, 2013

I would bring this up to a bankruptcy attorney in your area but will say that it sounds like you're in a sweet spot but in mortgage purgatory. ...

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Can I file chapter 13 if I was recently dismissed from a chapt 12?

Orfelia's answer | Answered on February 10, 2013

Your statement is very broad and you didn't post any facts (which you shouldn't do in this forum). Your best bet is to go talk to a bankruptcy...

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Filed Ch 7, Community Property State Of Wa

Orfelia's answer | Answered on January 29, 2013

Sounds correct. You didn't file bankruptcy - your spouse did. So it's only his obligation on the debts that was wiped out. You are still on the...

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I'm selling house on landcontract. the buyer is filling chapter 7 bankruptcy. Will the buyerbe able to keep property and not pay

Orfelia's answer | Answered on January 29, 2013

I would consult a local bankruptcy attorney in your area.

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Which Chapter of bankruptcy should I file? What debt can I get rid of?

Orfelia's answer | Answered on January 29, 2013

A forum such as this one cannot and should not substitute for a full consultation with a bankruptcy attorney in your area who can apply the local...

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I discovered a judgement recently from a Credit Card after Chapter 7 discharged over a year ago

Orfelia's answer | Answered on January 29, 2013

If your case was a "no asset" case, than it is discharged also. If it has converted into a lien against your home and you want to avoid the lien...

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I have an old warrent for arrest in IN(felony), but now live in FL , will this affect a bankruptcy decison, Chapter 7

Orfelia's answer | Answered on January 24, 2013

I would consult with a bankruptcy attorney AND a criminal defense attorney on this one. This forum really isn't the place to get an answer that...

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I have a $500,000 NOL carryover from real estate 10 years ago, If I file bankruptcy, Chapter 7 will this eliminate the NOL

Orfelia's answer | Answered on January 23, 2013

This is more of a tax question, I would think. I have never seen or heard of a case in a Chapter 7 where the trustee has used this or even tried...

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If I file chapter 7 without using attorneys and file "pro se" do i have to pay anything at all?

Orfelia's answer | Answered on January 23, 2013

You may get your filing fee waived if you apply with the court. I caution against filing pro se if you own any assets. I've seen people at the...

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I am being audited for sales tax, expexcting a penalty and outstanding tax report. can this be discharged in chapter 7 bkr?

Orfelia's answer | Answered on January 23, 2013

In a word: no.

Orfelia Maria Mayor's Answers (63)

I want to file for bankruptcy ... and keep my house ... is it possible ?

Can I file chapter 13 if I was recently dismissed from a chapt 12?

Filed Ch 7, Community Property State Of Wa

I'm selling house on landcontract. the buyer is filling chapter 7 bankruptcy. Will the buyerbe able to keep property and not pay

Which Chapter of bankruptcy should I file? What debt can I get rid of?

I discovered a judgement recently from a Credit Card after Chapter 7 discharged over a year ago

I have an old warrent for arrest in IN(felony), but now live in FL , will this affect a bankruptcy decison, Chapter 7

I have a $500,000 NOL carryover from real estate 10 years ago, If I file bankruptcy, Chapter 7 will this eliminate the NOL

If I file chapter 7 without using attorneys and file "pro se" do i have to pay anything at all?

I am being audited for sales tax, expexcting a penalty and outstanding tax report. can this be discharged in chapter 7 bkr?